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Ask an Adviser – What’s the Point of a Financial Adviser?

Why not manage your own finances? Surely, it’s not that hard? These are the questions I’m often asked in social circumstances when people realize I’m a Financial Adviser.

I understand why these questions come up. Why pay for something you can do yourself? All it takes is a bit of time, effort, and research, right? Well, it’s not that straightforward. In fact, I often liken it to building a house. Sure, some of us could learn the necessary skills to build a home... view article
November 16th 2021

Boost your retirement income using your home equity

Asset rich and income poor is the dilemma faced by many retirees. But there may be opportunities to boost your income in retirement by tapping into your biggest asset – your home.

With property prices booming, many retirees are finding that the home they have lived in for decades is worth a small fortune, but for various reasons, they don’t wish to sell or downsize. What many may not realise is that you can have your cake and eat it too. Or, in this case, convert part... view article
November 4th 2021

Buying shares vs investing more into your super

There are multiple avenues to save and invest money. The money in your super is invested by your fund, in shares, on your behalf. So you may be wondering if it's worth buying shares outside of your super, or investing extra into your super.

While your superannuation is built mostly from compulsory employer contributions, you also have the option to make personal voluntary contributions. This is a great way to put your savings into an investment. Another option is to build your own share portfolio outside of your superannuation. Both options have advantages and disadvantages, so you will need... view article
September 10th 2021

Ways to pay for your aged care

When it comes time to investigate residential aged care for yourself, your partner, parent or relative, the search for a facility and how to pay for it can seem daunting. The system is complex, and decisions are often made in the midst of a health crisis.

Factors such as location to family and friends, reputation for care or general appeal are just as important as the sometimes-high price of a room and other fees in residential aged care. Even so, costs can’t be ignored.i   Don’t leave it too late to have an honest conversation about aged care options with your loved ones.... view article
September 8th 2021

Family trusts: A trusted investment vehicle

Family trusts are a popular and effective investment structure to manage and protect your family’s fortune, but you don’t have to be worth a fortune to benefit from having one.

Despite their appeal, they are not for everyone. Indeed, it is suggested that if your assets are less than $300,000, and that is not counting your super, then it may well not be worth your while. But for those with sufficient assets, a family trust can be an effective way to protect your family’s assets... view article
September 3rd 2021

A new beginning in Newcastle

On the 15th of June Invest Blue Newcastle officially opened. You may have spotted our new location on the corner of Tudor and Steel street proudly painted Invest 'Blue' for all to see.

Invest Blue was born in Armidale 25 years ago, now we are proudly spread across twenty-one locations in Australia, now with offices in NSW, QLD, VIC, ACT and TAS. The opening of the Newcastle office is another exciting milestone for us, enabling us to help more families achieve their dreams and goals through quality financial advice. A new... view article
August 31st 2021

It’s bigger and better for the Coffs Coast Team!

It’s been a busy few months for Invest Blue Coffs Harbour - they’ve grown as a team and moved into a new office space in the heart of town. It’s certainly been a while since we ventured to the coast for a catch-up and we figured it was high time to find out more about this wonderful business within a business. Ben Warren and Gretel Chiswell tell us more…

The Coffs Harbour-based team (who also service the Kempsey and Grafton regions) now comprises five Financial Planners and three Relationship Managers with their fabulous new premises able to accommodate further growth such as additional business acquisitions and an expanding client base. Ben describes the Coffs team as a ‘fun, energetic, resilient and loyal family.’     Having... view article
August 17th 2021

New COVID-19 relief schemes explained: a guide to the latest benefits

As we navigate ongoing lockdowns due to COVID-19 across Australia, here is a guide to the latest benefits you may be entitled to from the Federal and State Governments.

Australia-wide initiatives The Pandemic Leave Disaster Payment (PLDP) is a program to support you if you find yourself in a situation where you are unable to earn an income because you are required to self-isolate, quarantine, or are caring for someone with COVID-19. The payment provides a lump sum of $1,500 per fortnight and you will... view article
August 12th 2021

Celebrating 25 Years In Business

A Big "Tank You" from Invest Blue's Managing Director, David Stephen (AKA Tank).

25-years ago, on the 1st of August 1996, our current Chairman and Head of Financial Planning, Paul Haslam, wrapped up his formal study and entered the doors of a small office in Armidale NSW to start paving the way to a meaningful offer of support to our community. He was on a mission to... view article
August 5th 2021